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Deposit Rates


Explore current rates on personal and business savings and checking solutions

Enjoy competitive rates on CDs, IRAs, Savings, Checking and more.
Our competitive rates are structured to help you get more out of your money when you open one of our multiple savings accounts. 

Rates shown are effective as of 9/19/2018

Certificate of Deposit Interest Rate Annual Percentage Yield (APY) Minimum to Earn Annual Percentage Yield (APY) Minimum To Open
6 Month CD 0.40% 0.40% $500.00 $500.00
9 Month CD 0.50% 0.50% $500.00 $500.00
12 Month CD 0.55% 0.55% $500.00 $500.00
18 Month CD 0.55% 0.55% $500.00 $500.00
24 Month CD 0.80% 0.80% $500.00 $500.00
24 Month Option CD 0.65% 0.65% $500.00 $500.00
36 Month CD 1.00% 1.01% $500.00 $500.00
48 Month CD 1.10% 1.11% $500.00 $500.00
60 Month CD 1.30% 1.31% $500.00 $500.00
Current CD Specials
3 Month CD 1.39% 1.40% $500.00 $500.00
7 Month CD Special 1.54% 1.55% $500.00 $500.00
7 Month Flex Up CD 1.98% 2.00% $500.00 $500.00
12 Month CD Special (Online Only)** 1.19% 1.20% $500.00 $500.00
14 Month Flex Up CD 2.03% 2.05% $500.00 $500.00
17 Month Flex Up CD# 2.27% 2.30% $500.00 $500.00
19 Month Flex Up CD# 2.47% 2.50% $500.00 $500.00
20 Month Flex CD Special (In-Branch Only)# 1.54% 1.55% $500.00 $500.00
30 Month CD 2.71% 2.75% $500.00 $500.00
59 Month CD Special (In-Branch Only)1 2.27% 2.30% $500.00 $500.00
* Certificate of Deposit is available for those who open or have an existing checking account relationship. The minimum amount to open a personal checking account is $1.00. The maximum certificate amount that can be deposited is $500,000.00. The special rates are available exclusively at a United Bank branch. Commercial and Municipal accounts excluded from this offer.  Offer is subject to change without notice and may be withdrawn at any time. See us for further details.

#The advertised Annual Percentage Yield (APY) effective as of 01/02/2018 is subject to change, and assumes principal and interest remain on deposit until maturity. The minimum balance to open the CD and obtain that APY is $500.00. A penalty may be imposed for withdrawals before maturity. Terms and conditions apply - see account disclosure for details. Commercial and Municipal accounts excluded from this offer. Offer is subject to change without notice and may be withdrawn at any time. See us for further details.

1The APY assumes that principal and interest remain on deposit until maturity. Early withdrawal penalties may be imposed for withdrawals before maturity. The minimum balance to open the CD obtain that APY is $500.00. The special rates are available exclusively at a United Bank branch. Commercial and Municipal accounts excluded from this offer. Offer is subject to change without notice and may be withdrawn at any time. See us for further details.

**The advertised Annual Percentage Yield (APY) effective as of 08/01/2017 is subject to change, and assumes principal and interest remain on deposit until maturity. The minimum balance to open the CD and obtain that APY is $500.00. A penalty may be imposed for withdrawals before maturity. Terms and conditions apply - see account disclosure for details. The special rate is available for those who open or have an existing checking account relationship. The minimum amount to open a personal checking account is $1.00. This offer is for new money to United Bank. In order for existing funds to qualify for this offer an additional $25,000 in funds not held at United Bank must be added to the account balance at the time of account opening. Commercial and Municipal accounts excluded from this offer. Offer is subject to change without notice and may be withdrawn at any time. Certificate must be opened online.

Rates shown are effective as of 9/19/2018

Individual Retirement Term Interest Rate Annual Percentage Yield (APY) Minimum to Earn Annual Percentage Yield (APY) Minimum To Open
12 Month IRA CD 0.55% 0.55% $500.00 $500.00
18 Month IRA CD 0.55% 0.55% $500.00 $500.00
24 Month IRA CD 0.80% 0.80% $500.00 $500.00
24 Month Option IRA CD 0.65% 0.65% $500.00 $500.00
36 Month IRA CD 1.00% 1.01% $500.00 $500.00
48 Month IRA CD 1.10% 1.11% $500.00 $500.00
60 Month IRA CD 1.30% 1.31% $500.00 $500.00
Variable Rate IRA 0.20% 0.20% $5.00 $100.00
Current IRA CD Specials
30 month IRA CD 2.47% 2.50% $500.00 $500.00
59 Month IRA CD Special (In-Branch Only)1 2.27% 2.30% $500.00 $500.00
1 The APY assumes that principal and interest remain on deposit until maturity. Early withdrawal penalties may be imposed for withdrawals before maturity. The minimum balance to open the IRA CD obtain that APY is $500.00. The special rates are available exclusively at a United Bank branch. Commercial and Municipal accounts excluded from this offer. Offer is subject to change without notice and may be withdrawn at any time. See us for further details.

Rates shown are effective as of 9/19/2018

Product Minimum to Earn Annual Percentage Yield (APY) Interest Rate Annual Percentage Yield (APY) Minimum To Open
Consumer Deposit Accounts
Premier Checking $1.00 - $999.99 0.00% 0.00% $1,000.00
$1,000.00 - $9,999.99 0.05% 0.05% $1,000.00
$10,000 - $49,999.99 0.10% 0.10% $1,000.00
$50,000.00 - $99,999.99 0.15% 0.15% $1,000.00
$100,000 - $199,999.99 0.20% 0.20% $1,000.00
$200,000.00+ 0.25% 0.25% $1,000.00
Benefits Checking $1 - $499.99 0.03% 0.03% $50.00
$500+ 0.05% 0.05% $50.00
Generations Checking $500 0.08% 0.08% $50.00
Prime Money Market $1 - $999.99 0.03% 0.03% $100.00
$1,000 - $9,999.99 0.05% 0.05% $100.00
$10,000 - $24,999.99 0.10% 0.10% $100.00
$25,000 - $49,999.99 0.15% 0.15% $100.00
$50,000 - $99,999.99 0.20% 0.20% $100.00
$100,000 - $249,999.99 0.25% 0.25% $100.00
$250,000+ 0.35% 0.35% $100.00
Premier Savings $1 - $4,999.99 0.05% 0.05% $10.00
$5,000 - $19,999.99 0.06% 0.06% $10.00
$20,000+ 0.07% 0.07% $10.00
Benefits Savings $1 - $999.99 0.05% 0.05% $10.00
$1,000 + 0.06% 0.06% $10.00
Simpl•e Savings $1 0.05% 0.05% $10.00
Target Savings $1 0.05% 0.05% $10.00
Health Savings Account (HSA) $1 - $999.99 0.25% 0.25% $100.00
$1,000 - $2,499.99 0.49% 0.49% $100.00
$2,500 - $24,999.99 1.00% 1.01% $100.00
$25,000 + 1.50% 1.51% $100.00
Business Deposit Accounts
Premier Business Checking $0 - $999.99 0.00% 0.00% $1.00
$1,000 - $9,999.99 0.00% 0.00% $1.00
$10,000 - $49,999.99 0.00% 0.00% $1.00
$50,000 - $99,999.99 0.05% 0.05% $1.00
$100,000 - $199,999.99 0.10% 0.10% $1.00
$200,000 + 0.15% 0.15% $1.00
Prime Business Money Market $1 - $24,999.99 0.05% 0.05% $100.00
$25,000 - $49,999.99 0.10% 0.10% $100.00
$50,000 - $99,999.99 0.15% 0.15% $100.00
$100,000 - $249,999.99 0.20% 0.20% $100.00
$250,000 - $499,999.99 0.30% 0.30% $100.00
$500,000 - $999,999.99 0.45% 0.45% $100.00
$1,000,000+ 0.50% 0.50% $100.00
Business Savings $1 - $999.99 0.02% 0.02% $100.00
$1,000 + 0.05% 0.05% $100.00
Commercial Deposit Accounts
Commercial Account Earnings Credit Rate N/A 0.25% 0.25% N/A
Commercial Money Market $0 - $999.99 0.00% 0.00% $100.00
$1,000 - $24,999.99 0.05% 0.05% $100.00
$25,000 - $49,999.99 0.10% 0.10% $100.00
$50,000 - $99,999.99 0.15% 0.15% $100.00
$100,000 - $249,999.99 0.20% 0.20% $100.00
$250,000 - $499,999.99 0.30% 0.30% $100.00
$500,000 - $999,999.99 0.45% 0.45% $100.00
$1,000,000+ 0.50% 0.50% $100.00
IOLTA - CT $1.00 0.50% 0.50% $50.00
IOLTA - MA $1 - $49,999.99 0.05% 0.05% $50.00
$50,000 - $499,999.99 0.15% 0.15% $50.00
$500,000 - $999,999.99 0.55% 0.55% $50.00
$1,000,000+ 0.55% 0.55% $50.00
IORETA - CT $1.00 0.40% 0.40% $50.00
Current Deposit Specials
Prime Money Market Special (In-Branch Only)! $1.00 - $24,999.99 1.54% 1.55% $100.00
$25,000.00 - $49,999.99 1.54% 1.55% $100.00
$50,000.00 - $99,999.99 1.54% 1.55% $100.00
$100,000.00 - $249,999.99 1.54% 1.55% $100.00
$250,000.00 - $500,000.00 1.54% 1.55% $100.00
$500,000.01+ 1.54% 1.55% $100.00
Advantage Money Market Special (Online Only)& $1 Call Us For Current Rates $500.00
! This offer is available for new customers who open a consumer Checking account with United Bank or have a consumer Checking Account with United Bank and increase their deposit relationship by a minimum balance of $10,000 at the time of account opening. Transfers from existing United Bank accounts do not qualify. Limit one promotional rate account per household or business. The promotional rate and tiers will be in effect for 180 days from the date the account is opened after which the standard rates and tiers that apply to the Prime Money Market will be the rates and tiers in effect. The advertised special rates are available exclusively at a United Bank branch. Commercial and Municipal accounts excluded from this offer. Note: if your balance goes above $500,000.00, your APY decreases and you’ll earn less interest on the entire balance in your account. Offer is subject to change without notice and may be withdrawn at any time. See us for further details.

&Personal accounts only. Beneficiaries are acceptable but they cannot be trust accounts. The advertised Annual Percentage Yield (APY) is effective as of 8/6/2018 and subject to change thereafter. The advertised rates are available exclusively online only. Transfers from existing United Bank accounts do not qualify. Limit one promotional rate account per customer. The minimum to open the Advantage Money Market is $500.00. Fees may reduce earnings. Offer is subject to change without notice and may be withdrawn at any time. Message and data rates may apply. Contact us for further details. Limit one promotional rate account per customer. The promotional rate and tiers will be in effect for 180 days from the date the account is opened after which the standard rates and tiers that apply to the Advantage Money Market will be the rates and tiers in effect. Please refer to your statement, online banking or call us for the standard rates and tiers on our Advantage Money Market account. The variable interest rate that would have been in effect (but for the introductory rate) is currently the same as the promotional rate. This rate is not tied to an index or formula and is determined solely at our discretion and may go down after the introductory promotional period ends.

 

CD and IRA CD Rates: Withdrawals made before maturity date may be subject to either Regulatory or Bank Imposed penalties. Regulatory Penalty: Regulation D penalty is 7 days’ simple interest on the amount withdrawn and applies to: 1) Withdrawals made within 7 days of opening a time account including the opening day. 2) Withdrawals made within 7 days of any deposits or withdrawals to or from your account, including the transaction day. 3) Withdrawals made within the grace period, when additional deposits are made during the grace period and the withdrawal exceeds the amount of matured CD or IRA CD. Bank Imposed Penalty: Withdrawals made other than those described under Regulation D penalty are subject to the early withdrawal fee below: 1) If your account has an original maturity of one year or less, the fee we may impose will equal 90 days interest on the amount withdrawn. 2) If your account has an original maturity of more than one year, the fee we may impose will equal 180 days interest on the amount withdrawn. The APY assumes that the interest remains on deposit until maturity. Interest Rates and APYs for CDs and IRA CDs are fixed for the term of the account. Fees – including early withdrawal penalties - may reduce earnings. Please review your Deposit Account Agreement and Schedule of Fees.

IRA Savings, Savings, Checking, and HSA Account Rates: Rates are variable and subject to change without notice. Fees may reduce earnings. Please review your Deposit Account Agreement and Schedule of Fees.

Tiered-Rate Accounts: Interest is paid on the entire balance within each tier. Fees may reduce earnings. Please review your Deposit Account Agreement and Schedule of Fees.